Home insurance rates are increasing nationwide due to inflation in construction costs, severe weather losses, rising roof claim costs, and higher rebuilding expenses. Many carriers are increasing rates — not just one company.

Not always. Lower-priced quotes may include higher wind/hail deductibles, Actual Cash Value roof settlement, lower liability limits, or missing endorsements. After 38 years in insurance, we often find important coverage differences clients were not shown.

Many insurance companies now use 1%–2% wind/hail deductibles on homes. A deductible structure can make a major difference during a claim, so it is important to understand what applies before switching policies.

Countryside Insurance Agency, Inc. represents over 30 insurance companies. That means we can help compare coverage options, pricing, deductibles, and policy features to find the right fit for each client instead of only offering one company. We also help explain important coverage differences before you make a change.

Countryside Insurance Agency, Inc. is a local, family-owned independent insurance agency in New Albany, Indiana, celebrating 50 years of serving Southern Indiana. We represent over 30 insurance companies, which means we can help clients compare options and understand important coverage differences — not just price. We are local and personal — not a 1-800 number — and clients can call, email, or stop by our office for help.

Countryside Insurance Agency, Inc. is local and personal — not a 1-800 number. When you need help, you can call, email, or stop by our office and speak with a real person who knows you and your coverage. We are here to help with questions, policy changes, billing concerns, and claims guidance.

Before switching insurance, it is important to compare more than just price. Deductibles, roof loss settlement, liability limits, endorsements, water backup coverage, and overall policy structure can make a major difference at claim time. A lower premium is not always the same coverage.

Minimum state auto insurance limits may meet Indiana’s legal requirements, but they are often not enough to fully protect you after a serious accident. If injuries or damages exceed those limits, you could be responsible for the difference. That is why we believe auto insurance should be based on proper protection, not just the minimum required to carry a license plate.

Umbrella insurance provides an extra layer of liability protection above your auto, home, or other underlying policies. It may help protect your assets and future income if you are ever involved in a serious accident or liability claim. We can help review whether an umbrella policy makes sense based on your household, assets, and exposures.

Life insurance through work may not be enough, and it may not go with you if you change jobs, retire, or lose that employment. Personal life insurance can help protect your family, income, mortgage, and other financial responsibilities. We can help you review options and see what may fit your needs and budget.

Every business is different, but common coverages may include general liability, commercial property, business auto, workers’ compensation, cyber, and umbrella insurance. At Countryside Insurance Agency, Inc., we help business owners review their operations and recommend coverage based on their actual exposures, not just a one-size-fits-all policy.

Workers’ compensation insurance helps provide benefits for work-related injuries or illnesses, including medical expenses and lost wages, and it can also help protect the business from certain liability exposures. Requirements can vary depending on the business and state rules. We can help business owners review whether workers’ compensation coverage is needed and make sure it fits their operations.